Riverside Park Capital
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Lending Guide

What Is a DSCR Loan?

A DSCR loan (Debt Service Coverage Ratio loan) is a real estate investment loan underwritten on the property's rental income relative to the loan payment — not the borrower's personal income or tax returns.

$500,000 – $10,000,000
DSCR

Eligible Asset Types

  • Single-family rentals
  • 2–4 unit rentals
  • Short-term rentals

Underwriting Guidelines

  • DSCR: property income ÷ total debt service
  • Min DSCR: 1.10x generally required
  • Min FICO: 650+
  • Not owner-occupied

Who This Is For

  • Residential real estate investors
  • Self-employed borrowers with rental income

Who This Is Not For

  • Owner-occupied buyers
  • Loans below $500,000

Frequently Asked Questions

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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.

Loan Parameters

Minimum$500,000
Maximum$10,000,000
Not eligible: owner-occupied residential, loans below $500K

Related Programs

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Commercial real estate and investor property loans from $500,000 to $10,000,000.

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Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.